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Get our £200 offer when you switch to Royal Bank
Apply online or via our mobile app to switch a current account held elsewhere using the Current Account Switch Service into a Royal Bank account from 15 February 2024.
Deposit £1,250 into your account and log in to our mobile banking app within 60 days. App eligibility criteria apply.
When you meet these conditions, we'll pay £200 into your eligible account within 7 days.
Account must be opened in a sole name before being made joint. It's not possible to switch a joint account into a sole account, so if you're looking to switch in a joint account to us, you will need to wait for the joint account process to complete before requesting the switch.
Your switch must fully complete to receive the incentive, this means your old bank account will close and any funds and Direct Debits will move over to us. The deposit of £1,250 can be made up of multiple credits and must remain in the account for 24 hours. If you've previously received a switcher incentive from NatWest Group since 01 January 2020, you will not be eligible for this offer. Offer can be withdrawn or amended at any time. Account eligibility criteria apply.
Switch offer T&Cs apply (PDF, 166KB)
What is a joint bank account?
In most ways, a joint bank account is the same as having your own, except two people have control over the account. It's great for couples, trusted friends or family members, who want to share part of their banking.
Both people can spend money from the account, and both parties are also responsible for any arranged overdraft (subject to approval).
It'll give you a Contactless Debit Card each. You'll also be able to manage your joint bank account together using our Mobile Banking app, or via Digital Banking.
To apply for any of these accounts, you must be 18+ and a UK resident. Specific account criteria and eligibility apply.
How to set up a joint bank account online
Opening a joint bank account with the Royal Bank of Scotland may include a few extra steps than when you’re opening an account on your own. To set this up, you’ll need to add the new party to your new or existing current account.